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Housing discrimination helps reinforce residential segregation through mortgage discrimination, redlining, and predatory lending practices. Racial avoidance and threats of violence also result in racial segregation.
The Fair Housing Act makes it illegal to harass persons because of race, color, religion, sex (including gender identity and sexual orientation), disability, familial status, or national origin.
Housing providers who refuse to rent or sell homes to people based on race, color, national origin, religion, sex, familial status, or disability are violating federal law, and HUD will vigorously pursue enforcement actions against them.
Most people dont report racial, ethnic or religious housing discrimination. NFHA estimates that more than 4 million cases of housing discrimination occur each year. Most complaints made are about accessibility barriers and other disability issues.
A residential rental transaction can be exempt from the Fair Housing Act only if the property is a single-family home and the owner has no more than three such homes, or if the property has no more than four units and the owner is residing on the property.
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Examples of housing discrimination include charging higher fees to potential renters with children, refusing to show immigrant applicants homes in certain areas, or offering to buy a home for less because of the race of the person selling the home.
The Fair Housing Act prohibits this discrimination because of race, color, national origin, religion, sex (including gender identity and sexual orientation), familial status, and disability.
Civil penalties may be levied up to $16,000 for the first violation, or $65,000 if there were two or more cases of discrimination up to seven years prior to the present case. In cases where the DOJ is involved, the fine for civil penalties can go up to $100,000.
The Fair Housing Act covers most housing. In very limited circumstances, the Act exempts owner-occupied buildings with no more than four units, single-family houses sold or rented by the owner without the use of an agent, and housing operated by religious organizations and private clubs that limit occupancy to members.
There are seven protected classes in the Act. Housing discrimination is prohibited based on: race; national origin; sex; religion; color; disability; and familial status. For cooperative housing developments it is important that they understand and follow the Fair Housing Act laws.

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